A loan of $7,000 helps a member to purchase various items including cement, cables, varnishes, locks, etc., which will strengthen her initial capital.


Tuhimizane Ndosho Group's story

Filomene is a member of Hekima IMF and secretary of the group “Tuhimizane Ndosho”. She is a 53-year-old widow and the mother of seven children who all go to school.

She sells hardware and started this business in 2016 with start-up funds from her personal savings. Later on, she joined Hekima to get some support for her business and, since then, she has been gradually expanding it. With this new loan, she will purchase various items including cement, cables, varnishes, locks, etc., which will strengthen her initial capital. The challenge that her business is facing is related to unpaid debts.

She would like her children to continue studying and she would also like to build a nice house. Finally, she would like to thank Hekima and its partners for the support provided to owners of non-bankable businesses in this context of the global Covid-19 pandemic.

The photo only includes the leader of the group because of Covid-19 restrictions and to comply with social distancing measures.

In this group: Filomene, Innocent, Pelagie, Rachel, Innoncent, Heritier

Translated from French by Kiva volunteer Violette Mercuzot.


This loan is special because:

It serves entrepreneurs in conflict-affected areas with few opportunities.

Manon Genouille, Kiva staff

Manon Genouille
Kiva staff



Loan details


Lenders and lending teams






Repayment schedule

*This loan is impacted by the COVID-19 crisis and your support is needed more than ever. Repayments may be delayed or lower than expected.

Loan details



Repayment schedule

*This loan is impacted by the COVID-19 crisis and your support is needed more than ever. Repayments may be delayed or lower than expected.